Graduation Information

Congratulations! Earning your degree is quite an accomplishment, and we wish you the very best in your life after St. Thomas!

Before you go, however, there are a few things we want to share with you.

If you borrowed any student loans, be sure you completely understand your repayment responsibilities. You are responsible for repaying your loans even if you don't receive a bill or repayment notice. You'll want to be sure to know where to send your payments, where to send written correspondence, what repayment options are available to you and what the consequences will be if you do not repay your loans. You also must immediately notify your loan holder of any change to your name, address, phone number or social security number.

Exit Loan Counseling

Federal Perkins Loan: Recipients of the Federal Perkins Loan program are required to complete exit counseling with the Perkins Loan Office on campus. For more information, contact Bill Peterson via email or call 651-962-6610. 

Federal Direct Subsidized or Unsubsidized Loan: Recipients of the Federal Direct Subsidized or Unsubsidized Loan must complete online exit counseling at

Student Educational Loan Fund (SELF):  Recipients of the SELF Loan typically pay interest quarterly while in school, but repayment changes upon graduation. Complete online counseling to ensure you understand the changes and all your obligations. 

Loan Consolidation

Consolidation permits student borrowers to combine various loan programs, lengthen their repayment term and lower monthly payments.

Find out more about:

For more information on Federal Student Loan Repayment visit the U.S. Department of Education website at